Collections Officer

Capital on Tap; Manchester; On-site; GBP 27,000 - 32,000; Full time

Job summary

Capital on Tap is seeking to establish a new Collections Team in Manchester. This role involves direct engagement with customers to manage financial arrears, creating fair repayment plans while complying with relevant regulations. The ideal candidate will be a skilled communicator with a solid background in collections, offering competitive remuneration and an inclusive workplace culture.

Benefits

Private Healthcare including dental and optician services

Worldwide travel insurance

Anniversary Rewards

Salary Sacrifice Pension Scheme

28 days holiday plus bank holidays

Annual Learning and Wellbeing Budget

Enhanced Parental Leave

Cycle to Work Scheme

Season Ticket Loan

Free drinks and snacks in our offices

Qualifications

• At least 2 years collections experience within financial services.
• Strong communication skills, both verbal and written.
• Proven ability to manage challenging customer interactions.

Responsibilities

• Engage directly with customers to negotiate repayment plans.
• Analyse financial situations to create tailored solutions.
• Ensure adherence to GDPR and FCA regulations.

Skills

Communication skills

Negotiation

Empathy

Conflict resolution

Job description

We’re Capital on Tap
Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

This is a Hybrid role, the Collections team will work from our Manchester City Centre Office 3 days per week, and 1 week in every 4 is fully remote. During your first 3 months you’ll be required to work 5 days a week in the office while you get set up in your new role.

What You’ll Be Doing This is an exciting opportunity as we look to build out a new Collections Team in our Manchester Office. In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies. You’ll be an empathetic and professional communicator, striving to resolve issues with patience and persistence.

• Engage directly with customers to negotiate repayment plans
• Analyse financial situations to create tailored solutions
• Ensure adherence to GDPR, FCA, and FDCPA regulations
• Handle customer complaints and resolve conflicts effectively
• Prioritize multiple tasks while maintaining high-quality standards
• Work with internal and external teams to support customer outcomes

Shifts
You'll work 37.5hrs a week between the hours of 8am-8pm, Monday to Friday. The shifts are:

• 8am-4:30pm
• 9am-5:30pm
• 11:30-8pm (one in every 4 weeks and can work fully remote that week)
• At least 2 years collections experience within financial services
• Strong communication skills, both verbal and written
• Proven ability to manage challenging customer interactions
• Ability and skills to handle difficult conversations and deliver a fair customer outcome

Diversity & Inclusion We welcome, consider, and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great PerksWe believe in balancing hard work with a bit of fun, so our office is designed for both productivity and play. From a pool table and PlayStations, we’ve created a space where you can relax and recharge. Check out the perks we offer:

Salary banding £27,000 - £32,000 depending on experience
Private Healthcare including dental and optician services through Vitality
️ Worldwide travel insurance through Vitality
Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
️ 28 days holiday (plus bank holidays)
Annual Learning and Wellbeing Budget
Enhanced Parental Leave
Cycle to Work Scheme
Season Ticket Loan
6 free therapy sessions per year
Free drinks and snacks in our offices

Check out more of our benefits, values, and mission here .
Interview Process

• First stage: 30 minute intro and values call with Talent Partner (Video call)
• Final stage: 60 minute CV overview with Team Leaders (In person)

Excited to work here? Apply!
If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

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At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are. We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves.

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